LU
Lufax Holding LtdFinancial Services · $728M market cap
Is LU undervalued?
Share price
$8.40
as of Oct 23, 2026
Fair value
$7.24
Sticker Price
Payback Price
$2.90
buy price
LU is Overpriced: at $8.40 it trades 16% above its fair value of $7.24. Its buy price (Payback Price) is $2.90, 66% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.
Business quality
1 of 5 clear the 10% bar. What are the Big Five?
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What is LU's fair value?
$7.24 as of Oct 23, 2026, worked out with the Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.
At what price would LU be a buy?
At or below its buy price of $2.90, a 60% margin of safety below its fair value.
Is LU undervalued right now?
LU is Overpriced: at $8.40 it trades 16% above its fair value and 190% above its buy price.
How can I check LU's value myself?
Use the free Sticker Price calculator, already filled with LU's numbers. Change the growth, P/E or required return and see what you'd pay. Open the calculator →
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About Lufax Holding Ltd
Lufax Holding Ltd is a leading financial technology company based in China, delivering a wide array of personal financial services through its advanced digital platform. The company's core business involves providing various credit facilities, which include both unsecured and collateral-backed loans, alongside consumer financing options. Beyond lending, Lufax also manages investment opportunities for affluent and middle-class investors through its wealth management platforms, notably Lufax (Lu.com), Lu International (Singapore), and Lu International (Hong Kong), enabling them to diversify their portfolios. Furthermore, it offers specialized lending services to small business owners via its retail credit facilitation platform and provides technology solutions to empower other financial institutions. Established in 2005, Lufax Holding Ltd maintains its principal office in Shanghai, China.
Financial - Credit Services
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of Oct 23, 2026. How the Payback Price works